PolandIn Poland, individuals receiving family pensions from ZUS (Social Insurance Institution) are advised to apply for their own retirement pension once they reach the statutory retirement age. The average family pension in 2025 was 3,701.15 zł, while the minimum amount from March 2026 is 1,978.49 zł. Those who continue working after reaching retirement age may face reductions or suspension of their family pension if their income exceeds certain thresholds—70% or 130% of the average monthly salary. ZUS encourages applicants to switch to their own retirement pension, which could be higher than the family pension. However, if the calculated individual pension is lower than the family pension, the latter will continue to be paid upon request. Additional income limits for retirees vary by quarter, with changes effective from June 2026.
Bias read (Center): The article presents factual information about Polish social insurance policies and does not exhibit clear ideological bias. It explains the rules around family pensions versus personal retirement pensions, including thresholds and procedures, without favoring any particular political stance. The ZU
